Hugo Car Insurance
Hugo Car Insurance
in Car Insurance from Hugo Insurance

Hugo Car Insurance

in Car Insurance from Hugo Insurance
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Financial Strength Rating B+

Hugo Car Insurance Review

Hugo Insurance is a car insurance carrier based in Santa Monica, CA. The insurance company was founded in 2016 and offers car insurance in 13 states in the USA.

If you're considering whether hugo car insurance is a good option for you, read on.

hugo car insurance Pros & Cons

Pros Cons
  • 24/7 Phone availability
  • No free policy cancellation
  • No locally available agents
  • Does not offer digital claims reporting
  • No accident forgiveness
  • Does not offer emergency roadside assistance
  • No rental car coverage
  • No ridesharing coverage
  • No transport trailer coverage
  • No travel expenses or trip interruption coverage
  • Not many policy discounts available
  • Does not offer many vehicle equipment discounts
  • Only one payment option

hugo car insurance FAQ

What types of car insurance coverage options does hugo car insurance offer?

Although we often talk about car insurance in the singular, it really includes several types of coverage options.

Does hugo car insurance have roadside assistance?

No, Hugo Insurance does not have roadside assistace.

Does hugo car insurance offer ridesharing insurance?

No, hugo car insurance does not offer ridesharing coverage as a rider or endorsement.

What benefits does hugo car insurance offer?

hugo car insurance offers the following benefits to its customers:

  • 24/7 Phone Availability: Customer service is staffed around the clock.

Ways to pay my hugo car insurance

Hugo Insurance allows policyholders to pay their premiums using the following method:
  • Credit/Debit Card

How does Hugo Insurance calculate insurance rates?

Car insurance companies guard their risk-assessment algorithms as a trade secret, and Hugo Insurance is no exception. However, you can be confident that hugo car insurance will take into consideration your driving record, age, gender, marital status, and address.

Other factors it will take into consideration are your vehicle (make and model), insurance history, and how you use your car.

Does hugo car insurance use your credit score?

It is safe to assume that, when legal, a car insurance company will use your credit score as a rating factor. There are two exceptions.

  1. If you live in California, Hawaii, or Massachusetts, a car insurance company is not allowed to use your credit report as a rating factor.
  2. There are also a handful of car insurance companies that base their insurance rates exclusively on telematic data. These companies collect information on your driving behavior and use it to determine the risk you pose as a driver.

How can I get a hugo car insurance insurance quote

  • Visit the Hugo Insurance website.
  • Fill out the insurance online quote application form. You will typically need to provide personal information, such as your name, vehicle, driver's license, and address.
  • Check the information is accurate and submit your application.

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Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.


Hours of Operation

  • Sunday All Day
  • Monday All Day
  • Tuesday All Day
  • Wednesday All Day
  • Thursday All Day
  • Friday All Day
  • Saturday All Day

About Hugo Car Insurance


  Available in 13 states
  • Alabama
  • Arizona
  • California
  • Florida
  • Georgia
  • Illinois
  • Indiana
  • Mississippi
  • Ohio
  • Pennsylvania
  • South Carolina
  • Tennessee
  • Texas

Feature Breakdown

Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Minimum Age 18
Verification Documents Required
  • Driver License (or other photo ID)
  • Proof of citizenship/residence (Green Card)
  • Proof of Identity
  • Proof of Residence
  • Proof of Insurance
  • Social Security Number
Financial Strength Rating B+
Carrier Features
  • 24/7 Phone Availability
  • Mobile Claims App
Payment Options Credit/Debit Card

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